X Risparmio Flexi deposit account            

You get a guaranteed return of 3,25% gross annual interest until 31 March 2026, and your savings are available with a 32-day notice. All our deposits are protected up to €100,000 by the Interbank Deposit Protection Fund (FITD).
For all the details, refer to the information sheet in Transparency.

Open X Risparmio Flexi
Entrepreneurs growing his business

How does it work?The right balance between profit and flexibility.

X Risparmio Flexi gives you a rate of 3,25% gross annual interest and the possibility to have your savings in 32 days.

Open X Risparmio Flexi
  • The return is calculated based on the money in the accountApplying an annual gross rate of 3,25%
  • We liquidate it every three monthsDirectly on your deposit account
  • Withdraw and deposit respecting the minimum and maximum balance limits
  • Earn until the last dayYou accumulate interest up to the day before the withdrawal settlement

Why choose it?X Risparmio Flexi is a solution that's favourable for you and for the country

Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.

Open X Risparmio Flexi

  • Do everything online.

  • No obligation to open a current account.

  • Your savings are 100% protected by the FITD.

  • You can open it in just a few steps.

What do you need?

Position yourself in a well-lit area and keep the valid documents and the items on this list within reach.

  • 01
    Tax Code

    from your national health card.

  • 02
    ID document

    ID card, passport and driving licence are accepted.

  • 03
    A device with webcam and camera

    such as a computer, tablet or smartphone.

  • 04
    IBAN

    of the current account you will use to operate the deposit account, that is, for deposits and withdrawals.

Still not sure?

  • What’s the difference between X Risparmio, X Risparmio Libero and X Risparmio Flexi?

    X Risparmio is a fixed-term deposit account from which you can get the maximum return on the money you deposit, by tying it up for a predetermined period. In case of early withdrawal, accrued interest is not recognized.

    X Risparmio Libero is a deposit account that gives you freedom in its management because you can add or withdraw money whenever you want, respecting the maximum and minimum balance.

    X Risparmio Flexi is a deposit account with a withdrawal notice. It gives you the freedom to add sums whenever you want and withdraw them by giving a 32-day notice.

  • How can I best use the account?

    X Conto allows you to generate an annual return, based on your average balance. Therefore, the more money you leave in the account, the higher the return.

  • I have already opened an X Risparmio deposit account. Can I also open X Risparmio Libero?

    Sure! You can open X Risparmio Libero deposit account even if you already have one or more X Risparmio deposit accounts. Contrary of X Risparmio, you can subscribe to only one X Risparmio Libero deposit account.

Want all the details?Read the X Risparmio Flexi fact sheet in Italian

Download the PDF

Who invests in us?We are a financially robust bank, thanks in part to those who believe in our project.

Want a fixed-term?Discover how much you can earn with the fixed-term deposit account.

You can choose the duration that suits you, from a minimum of 3 months up to 36 months.

Discover X Risparmio